CIMB's CEO on Return on Equity, Restructuring, Sukuk

The transcript discusses the banking industry's current challenges, including efficiency targets, margin compression, and regulatory costs. It emphasizes the need for banks to transform their operating models to adapt to technological changes. Additionally, it highlights the growth and future potential of the Sukuk market, particularly in Malaysia and the Middle East, driven by increased investor participation and infrastructure projects.

What is one of the main challenges currently faced by the banking industry?

• Increasing customer satisfaction

• Margin compression

• Expanding branch networks

• Reducing loan interest rates

What is the focus of the T18 transformation plan?

• Increasing customer base

• Recalibration and future planning

• Expanding into new markets

• Reducing employee turnover

What is a significant factor driving the need for bank transformation?

• Changes in customer preferences

• Technological advancements

• Increased competition from fintech

• Rising real estate prices

Which country is highlighted as a key market for Sukuk issuances?

• United Arab Emirates

• Malaysia

• Saudi Arabia

• Indonesia

What has contributed to the momentum in the Sukuk market for the next year?

• Increased marketing efforts

• New government regulations

• Stronger participation from Middle Eastern investors

• Decreasing interest rates